that's the next big wave of significant sales. >> vera gibbons personal finance expert. always appreciate your expertise. >>> coming up next on the ro rundown it was home to the world's most wanted man. of course we are talking about osama bin laden. now pakistan wants to turn the city he was killed in into a tourist attraction. we will talk about that next. talk about a whale of a time, a fishing boat comes way too close to a hump back whale apparently flipping it over, too, or at least close to it. cream abdul jabar became the first nba player to score 38,000 points? is that right? 38,000? a huge number. we will be right back. [ lisa ] my name's lisa, and chantix helped me quit. i honestly loved smoking, and i honestly didn't think i would ever quit. [ male announcer ] along with support, chantix is proven to help people quit smoking. it reduces the urge to smoke. it put me at ease that you could smoke on the first week. [ male announcer ] some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while

joining us is expert vera gibbons.am dunk answer. >> we have millions of credit worthy americans who actually should but haven't for one reason or another. you will see how much you should save and how it might inspire you to take action. >> couple year's tax returns pay stubs investment income you have got to be able to show it all. if you look at the savings. >> you might get off the fence. >> shorten your loan's time frame. man gee go from a 30 year to 20-year to 15 year people are on a tight budget rates are so low your monthly mortgage payment is not going to be all that muhire. that's something to consider if you want to shorten your frame and pay less in interest. >> pay lessover all. oo monthly payment is the same? >> about the same. >> switch to by weekly payments. >> this is another strategy. if you make half of your monthly payments every three weeks you chop almost 6 years off a 30 year mortgage and safe tens of thousands over the loan. they will charge you a one-time set up fee about $250 perhaps. this is

vera gibbons is here to tell you how to avoid an audit. >> he's 4 feet 4 tall and look at him dribble. >> good morning to you. it is 22 minutes after the hour. so much for resting. hillary clinton is now set to cash in on the lecture circuit after she stepped down as secretary of state. she is being represented by an agency that helps politicians get 6 figure fees for their speeches. nice money if you can get it. clinton is eyeing another run for president in 2016. the tea heart is planning a big outreach to latino voters. the tea party the nation's largest tea party political action committee is putting a buck for the country. they had their own latino outreach plan last week. marco rubio and texas senator ted cruz are both tea party candidates. >> thank you, heather. the past season internal revenue service is going after the big taxes. how do you avoid an audit. we are going to ask vera gibb s gibbons. >> you say number one do not cheat. >> do not cheat. >> that is a good rule to follow. >> 12 percent of fierls admit to cheating. very bad idea. you have to report all of your income

joining us now is vera gibbons. >> what is the top thing people need to know. >> people are delayingirement because of reasons beyond our control. >> the economy. >> the economy, costs are up. what 50 percent of us don't do is crunch the numbers to see how they are going to live comfortably in retirement. two-page worksheet takes very pli indicated forecasts social security and you can get a sense of how much retirement is going to cost you. you need to come up with a drastic plan of how to get there. so many people are taking care of their parents and people taking care of younger children. >> everything is up healthcare food, wages. >> you are depressing me. >> i am giving you the scenario. >> max out your retirement accounts. >> they have gone up 17-5 on the 401 k. 5500 on the ira. if you have a 401 k get in there and tcontribute enough to get te company to match. >> invest in international companies or funds. >> diversify internationally. the dollar is down and it's down drastically expected to continue to go down. i am talking about stocks and ponds outside of the u.s. in other